Ndingalisusa njani igama lam kwi-mortgage kunye ne-ex yam
Kubalulekile ukuqonda iingqikelelo zento enokwenzeka xa igama elikwitayitile yendlu lingekho kwimali mboleko yendlu. Ukuqonda iindima kunye noxanduva lwawo onke amaqela abandakanyekayo kunokunceda ukuphepha impixano kunye nokubhideka kwixesha elizayo.
Ukushiya igama lomntu kwi-mortgage ngokobuchwepheshe kubakhuphela kuxanduva lwemali mboleko. Nangona kunjalo, kubalulekile ukuqaphela ukuba ibhanki ingenza ibango lentlawulo kuye nawuphi na umnini ukuba ikhaya lijongene nokuvalwa. Nangona ayisayi kuchaphazela ikhredithi yakho ukuba awungomboleki-mboleko, ibhanki inokuphinda ihluthe ipropati ukuba iintlawulo zemboleko zenziwe. Oku kungenxa yokuba ibhanki ine-lien kwitayitile yekhaya.
Ngamanye amazwi, ukuba ufuna ukuqhubeka uhlala endlwini, kuya kufuneka uqhubeke usenza loo ntlawulo yokuboleka imali ukuba umntu odweliswe endlwini akakwenzi, nokuba awunyanzelekanga kwi-mortgage note. Ngaphandle koko, ibhanki inokuphinda ihluthe indlu. Ukuba uba nguwe kuphela umntu onoxanduva lokwenza iintlawulo kwixesha elizayo, unokuphinda uhlawule indlu egameni lakho.
Ukuba igama lam likulo xwebhu kodwa alikho kwimali ebolekwayo, ndingaphinda ndihlawule?
Ukuba unomdla wokususa igama lakho kwi-mortgage, kunokubakho utshintsho olukhulu ebomini bakho. Enoba luqhawulo-mtshato, ukwahlukana komtshato, okanye umnqweno nje wokuba imali-mboleko egameni lomntu omnye ukuze omnye abe nokuguquguquka okuthe kratya kwezemali, iimeko ziye zatshintsha ngokucacileyo xa kuthelekiswa naxa i-mortgage yakhutshwa. Ngokuqinisekileyo, ukukhupha imali-mboleko kunye bekunezibonelelo ezicacileyo, njengokusebenzisa imivuzo yomibini xa umisela ukuba ungafumana malini kunye/okanye usebenzisa amanqaku etyala abantu ababini ukuthoba inzala yakho. Ngelo xesha kwakunengqiqo, kodwa ubomi buyenzeka kwaye ngoku, ngenxa yaso nasiphi na isizathu, uye wagqiba ekubeni ixesha lokususa umntu kwi-mortgage. Ngeliphandle, ayisiyiyo eyona nkqubo ilula kwihlabathi, kodwa nanga amanyathelo athile kunye neengqwalasela zokukunceda ukuba ufike apho.
Into yokuqala kukuthetha nombolekisi wakho. Bakuvumile kube kanye kwaye banolwazi olunzulu lwemali yakho ukugqiba ukuba bayafuna ukuyenza kwakhona. Nangona kunjalo, ubacela ukuba babeke intlawulo yakho yokubambisa kumntu omnye endaweni yababini, benyusa ityala labo. Ababoleki abaninzi abaqapheli ukuba bobabini abantu kwi-mortgage banoxanduva lwalo lonke ityala. Umzekelo, kwimali-mboleko ye-300.000 yeedola, akufani nokuba bobabini abantu banoxanduva lwe-150.000 yeedola. Bobabini banoxanduva lokuhlawula yonke i-$ 300.000. Ukuba omnye wenu akakwazi ukuhlawula, omnye umntu usenoxanduva lokuhlawula yonke imali-mboleko. Ke ukuba umbolekisi ususa nje igama elinye kwi-mortgage yangoku, omnye wenu uya kuba ephumile. Njengoko usenokuba sele uqikelele, ababolekisi abaqhelekanga ukwenza oku.
Ukuba igama lam likwimali mboleko yeyam
Kukho izizathu ezininzi zokusayina imali yokubambisa kunye neqabane lothando, umhlobo, ilungu losapho, okanye isinxulumani seshishini xa uthenga ipropathi eCalifornia kunye. Umbono wokuba ngabanini-ndawonye okanye ukunceda umntu ukuba afanelekele ukubolekwa imali unokubonakala njengombono olungileyo ekuqaleni, kodwa kunokukhokelela kwiingxaki endleleni ukuba uthatha isigqibo sokubuya umva okanye ufuna ukuphelisa ubunini-ndawonye. ubudlelwane. Ubudlelwane bunokuba bubi ngokuhamba kwexesha okanye unokuxhalaba malunga neendlela zemali zomntu osebenzisana naye ukuze uhlawule imali-mboleko. Ungafuna ukutyala imali kwipropati yakho, kodwa awukwazi ukufumana imali-mboleko kwipropati yesibini kuba sele unoxanduva lwetyala ekuqaleni. Ungafuna ukwenza i-equity kwikhaya lakho elixabisekileyo laseCalifornia, kodwa umboleki-mali wakho uyala ukuyithengisa. Ingxelo yakho yetyala ingabonisa ukungagqibeki okanye amanqaku akho etyala asezantsi kunokuba ebeya kuba njalo ngenxa yokuba umboleki-mali wakho akayihlawuli ngexesha le-mortgage.
Kuyavakala ukuba umboleki-mali wakho angafuna ukuba uqhubeke nemboleko, kodwa yintoni inzuzo oyifumanayo? Ngapha koko, awufumani nzuzo kule ndawo, kodwa lowo ubolekayo usebenzisa i-equity yakho ukufumana isaphulelo semali mboleko. Ukuba nawe kwi-mortgage kunika ababolekisi ukhuseleko lokwazi ukuba omnye umntu unoxanduva lwesixa esipheleleyo semali mboleko xa lowo ubolekayo engaphumeleli kwimali-mboleko. Ngokuzisusa kwi-mortgage, umthwalo wemali-mboleko yonke uwela kumntu obolekayo, into engekho ibhanki okanye umboleki-mali oye wavuya ngayo.
Kubiza malini ukukhupha umntu kwimali mboleko?
Abathengisi bezindlu zethu baziingcali kwimigaqo-nkqubo yababolekisi abangaphezulu kwama-40, kubandakanywa iibhanki kunye neenkampani ezikhethekileyo zemali. Siyazi ukuba ngabaphi ababolekisi abaya kuvuma ukubambisa kwakho, nokuba kukuhlawulela uqhawulo-mtshato okanye ukuhlawula ityala.
Awukwazi "ukuthatha indawo" okanye uhoxise kwi-mortgage. Ngelixa kwamanye amazwe unokuthatha imali-mboleko yomnye umntu okanye unqumle umntu kwisivumelwano semali-mboleko, e-Australia oku akuvumelekanga.
Sikwanokufikelela kubabolekisi abakhethekileyo abanokuthi bathathele ingqalelo imeko yakho, nokuba zingaphi iintlawulo eziphosiweyo! Nangona kunjalo, kufuneka ubonise ukuba ukwazile ukuhlawula ezo mbuyiselo nokuba awuzenzanga.
“…Ukwazile ukusifumana ngokukhawuleza kunye nobuncinci bengxabano yemali mboleko ngexabiso lenzala elungileyo xa abanye besixelela ukuba kuya kuba nzima kakhulu. Ndichukumiseke kakhulu yinkonzo yabo kwaye ndingacebisa kakhulu iiNgcali zeMali mboleko kwixa elizayo”
“… benze isicelo kunye nenkqubo yolungiso lwaba lula kakhulu kwaye bangenaxinzelelo. Banikezela ngolwazi olucacileyo kwaye bakhawuleza ukuphendula kuyo nayiphi na imibuzo. Bezicace kakhulu kuzo zonke iinkalo zenkqubo.”
